Recently moved to Canada?Apply for a credit card designed for newcomers.

It’s hard to get a credit card without a Canadian credit history. But the Scotiabank StartRight® Program for Newcomers can help. It’s a special program designed to meet the needs of newcomers to Canada. With the StartRight Program, you can be approved for a credit card – even without a Canadian credit history. Once you have a credit card you can:

Make purchases online or by phone.

Earn rewards like Cash Back, free movies or travel points.

Build your Canadian credit history and credit score, so you can build the future you want in Canada.

Use the link below to apply for your credit card through the Scotiabank StartRight Program today.

Credit Limit

Your card comes with great benefits

Book and redeem any flight for any time through Scotia Rewards Travel Service, a full-service travel agency. Plus, take advantage of the Best Price Guarantee on airfare.

Best Price Guarantee on Airfare

If, within 24 hours after completing an airline ticket purchase on the Scotia Rewards Travel site or with a Scotiabank Travel Rewards Representative, you find a price for the exact same itinerary that's at least $10 less, Scotiabank Travel Rewards will offer you a points credit equal to the price difference, per passenger. Visit Scotia Rewards for complete details and instructions on how to submit your claim.

Enjoy Special Offers, Access and Experiences with American Express Invites®

American Express Invites opens the door to great music, theatre, dining, film, fashion and shopping experiences. Be among the first to know, and the first to go! Sign up for e-updates.

Upgrades and perks on cruises - Enjoy more on every cruise with offers and benefits ranging from shipboard credits, to upgrades, shore excursions, specialty dining experiences, reduced deposits and dollars off.

Beyond Travel Rewards

Reward yourself and choose from a wide selection of merchandise and gifts by visiting Scotia Rewards.

Travel with 4 types of coverage

Coverage is provided for eligible persons under age 65 for up to 8 consecutive days and for eligible persons age 65 and older for up to 3 consecutive days.

Travel Emergency Medical Insurance

As a {{ctrl.productData[0].name}}member, you, your spouse and accompanying dependent children are each automatically covered for up to $1 million in emergency medical coverage if sudden and unexpected illness or accidental injury should occur while travelling outside your province or territory of residence in Canada.

Coverage includes eligible expenses for hospital care, nursing care, prescription drugs, licensed ambulances and physicians' and surgeons' fees, as well as other eligible medical services and supplies. The date of departure is counted as the first day.

This benefit is subject to an exclusion for pre-existing medical conditions.

If you are under age 65 and are travelling for more than 8 days or if you are age 65 and older and travelling for more than 3 days, you may choose to purchase extension coverage from Scotia Assist prior to your departure by calling (416) 572-3636 or 1 877 391-7507. You will receive a separate certificate of insurance if you choose to purchase this coverage.

Charge at least 75% of your trip costs to your Card and get trip interruption insurance at no extra cost

Trip Interruption Insurance

You, your spouse, one travelling companion and your eligible dependent children travelling with you, are automatically insured for up to $2,500 per person (maximum $10,000 per trip) when you charge at least 75% of each person’s trip expenses to your {{ctrl.productData[0].name}} and are forced to interrupt your trip for eligible medical or non-medical causes. Coverage provides reimbursement of non-refundable eligible trip costs and additional charges for ticketing changes.

Charge the full cost of your eligible rental car to your Card and you’re automatically insured if your rental is damaged or stolen.

Rental Car Collision Loss/Damage Insurance

You are automatically covered by Collision Loss/Damage Insurance when you rent a vehicle in your name, decline the agency's collision damage waiver or loss damage waiver (or similar provision) and use your {{ctrl.productData[0].name}} to pay for the entire cost of the rental. If your rental car is damaged or stolen you are covered for the amount that you are liable to the Rental Agency up to the actual cash value of the vehicle. Note that the rental period cannot exceed 48 consecutive days and vehicles costing over $65,000 are not covered.

Charge at least 75% of your ticket cost to your Card and you’re insured against accidental loss of life or dismemberment.

Travel Accident Insurance

You, your spouse and eligible dependent children will be automatically insured against accidental loss of life, or dismemberment – up to a maximum of $250,000 (to a maximum of $500,000 per occurrence). Coverage is in place while occupying a common carrier for which you have charged at least 75% of the ticket cost to your {{ctrl.productData[0].name}}, and which is licensed to carry passengers such as airplanes, cruise ships, trains or buses.

Most items purchased anywhere in the world are automatically insured against theft, loss or damage as long as the full cost of the item is charged to your Scotiabank American Express Card .

Coverage extends for the first 90 days from the date of purchase, is limited to the lesser of the repair cost, replacement cost or original purchase price, and is in excess of any other insurance coverage.

When you charge the full cost of most items to your Card, extended warranty coverage doubles the original manufacturer’s warranty for up to one year. Coverage is limited to the lesser of the repair cost, replacement cost, or original purchase price.

Items covered by a manufacturer’s warranty repair services of five years or more must be registered within the first year of purchase

Most items purchased with your Card are protected in the event of a price drop within 60-days of purchase.

Price Protection Service

When you use your {{ctrl.productData[0].name}} to buy an eligible new item in Canada that is offered for sale in Canada at a lower price within 60 days of your purchase, the Price Protection Service can pay you the price difference up to $100 per item and $500 per calendar year.

Your finances can have added protection from some of life's unpredictable events, like disability, job loss, strike or lockout, critical illness or loss of life.

Scotia Credit Card Protection (optional)

With one simple application, you can have financial protection from a range of life events: Disability, Job Loss, Strike or Lockout, Critical Illness or loss of Life. A monthly benefit equal to 10% of your outstanding credit card account balance can be paid to your credit card account if you are unable to work, which can help pay down your balance faster. In the event you are diagnosed with a covered Critical Illness, or if you pass away, your outstanding credit card account balance can be paid in full, up to a maximum of $50,000.

This comprehensive coverage is available at a monthly premium rate of only $1.09 per $100 of average daily balance on your credit card account (plus any applicable sales tax). The affordable cost includes benefits for a Co-Borrower at no additional charge. The premium is conveniently charged to your credit card account to help ensure your coverage stays in place.

Approval is fast – contact us for details if you are a resident of Canada, and are at least 18 and under 70 years of age.

View more information or simply call 1-855-753-4272 between 8am and 8pm (EST) Monday to Friday and a Customer Service Representative will be pleased to assist you.